我國金融控股公司經營績效評估分析

謝佳姍

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我國金融控股公司經營績效評估分析

謝佳姍 , Masters　　Advisor：蕭國慶;吳政穎　　

繁體中文

金融控股公司；經營績效； Financial Holding Company ； Performance

Abstract │ Reference (68) │ Times Cited (3) │ Altmetrics

Abstract 〈TOP〉

Parallel Abstract 〈TOP〉

Following the trend of the worldwide financial institutions heading for internationalization and large-scale financial conglomerates by M&A, the financial institutions of Taiwan are too scattered and small-scale. Besides, after joining the WTO, the financial institutions of Taiwan must face the pressure of competitions upon the domestic financial market. The government of Taiwan falls into the situation of beset with difficulties both at home and abroad. Therefore, the government enacting "The Financial Institutions Merger Act" and "The Financial Holding Company Act" expects to consolidate financial institutions to improve performance in financial environment. 
In order to understand whether the establishment of financial holding companies has reached the purpose of legislation, the research is taken to evaluate the operation performance of financial holding companies from the financial point of view. Because of the differences of financial fields, the sample of this study contains 13 banks, 7 securities companies, 7 insurance companies and 3 bills finance companies. It adds up to 30 subsidiaries of 14 financial holding companies in Taiwan. Data include from 1998 1st season to 2006 1st season quartered financial data. At first, Factor analysis is applied to select the factor dimension. Then, the study uses Wilcoxon Signed Rank Test to test the operation performance of financial holding companies.
The results of this empirical study are：
1. After bank subsidiaries join the financial holding companies, Net-worth Ratio, Growth Rate of Net-worth, Turnover Rate of Net-worth, Turnover Rate of Total Assets and Loan to Deposits Ratio are significantly dropping. Operating Expenses ratio is significantly growing up.
2. After securities subsidiaries join the financial holding companies, Turnover Rate of Net-worth, Turnover Rate of Fixed Assets and Growth Rate of Net-worth are significantly dropping. Operating Expenses ratio is significantly growing up.
3. After insurance subsidiaries join the financial holding companies, only Financial Leverage is significantly dropping.
4. There are no differences in financial ratios among bills finance companies joining the financial holding companies before and after.
5. There is still net profit margin of 7 bank subsidiaries and 1 bills finance company significantly growing up.
In sum, the empirical results are found that the whole financial institutions joining the financial holding companies still don't get up to the purpose of performance improvement. However, some of the subsidiaries still earn profits.

Reference ( 68 ) 〈TOP〉

石淼，「台灣地區金融控股公司經營規模、業務整合度與經營績效關係之研究」，中原大學企業管理研究所碩士論文，民國93年6月。
連結：
李祐全，「企業購併談判中權力因素之探討－以臺灣企業個案為例」，靜宜大學企業管理研究所碩士論文，民國93年1月。
連結：
陳隆麒，「當代財務管理」，華泰文化事業股份有限公司，民國95年3月二版。
連結：
黃啟強，「臺灣金融控股公司整合策略與綜效之研究」，中原大學企業管理研究所碩士論文，民國93年6月。
連結：
謝明瑞，「投資銀行發展之研究」，財團法人國家政策研究基金會國政研究報告，民國91年12月。
連結：

Times Cited (3) 〈TOP〉

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